How to Buy a Property with a Bad 4-Point Inspection

The Citizen’s 4-Point Inspection is a Florida-specific insurance inspection that looks at 4 major systems on a property: Roof, Plumbing, Electrical, and HVAC. 

Florida real estate investors often run into problems when a property has deficiencies on the 4-point inspection, but the seller is unable or unwilling to make the necessary repairs. This leaves the buyer in a situation where they are unable to bind insurance coverage for closing. 

But there’s almost always a way to get to closing with 4-point inspection issues!

In this video, Jeff chats with Florida insurance expert Mike Tonsetic about ways to get to the closing table despite a bad 4-point inspection:

Find more great educational content on the Tampa Bay Real Estate Investor’s Podcast by Copeland Morgan Media, or on our the Copeland Morgan YouTube Channel! 

Jeff Copeland

Jeff Copeland is the Broker/Owner of Copeland Morgan LLC. Recognized as one of the best property management companies in St. Petersburg, FL by Expertise.com in 2020 and 2021, and more recently by Home Team in 2026, Copeland Morgan LLC provides full-service real estate sales and property management in St. Petersburg and across the Tampa Bay area. Licensed as both a Florida real estate broker and a certified residential contractor, Jeff also owns Copeland Construction & Restoration LLC He is a 22-year military veteran and holds a master's degree in public administration and a bachelor's degree in management and international business. In addition to decades of experience across federal, state, and local government, Jeff has owned, operated, and sold multiple Florida businesses. He is also the founder and CEO of The Jackson Copeland Foundation, a charity in St. Petersburg, Florida dedicated to supporting leukemia patients and their families while sponsoring high-impact leukemia research.